Alliance Lending Services (ALS) was founded on the belief that strategic planning and market knowledge are the foundation of the mortgage process. This belief has inspired a passion for delivering superior services that foster effective mortgage solutions. With over 20 years of experience and knowledge in the mortgage industry,

our team of professionals are eager to help you with this large financial decision. We understand you're making a commitment when buying a house, refinancing a mortgage, or cashing out your home equity. So, we are making this commitment to you: We will help you Apply, Qualify and be Approved for the right mortgage loan.

We are your mortgage Ally!

Interest Rates & Closing Costs

OAC - Some restrictions apply, contact us for details.

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-Loan Options-

With more than one way to go it's hard to know exactly how each loan differs and which is the best for your situation. Scroll to the side some of the available loan types then call or email us today to discuss a personalized solution.

Conventional

A "conventional" (conforming) mortgage is a loan that conforms to established guidelines for the size of the loan and your financial situation with a 5% minimum down payment. Conventional loans feature terms typically ranging from 10 to 30 years and may be fixed or have an adjustable rate. Monthly payments on a conventional fixed-rate mortgage remain the same for the life of the loan, making it an attractive option for borrowers who plan to stay in their home for several years. The adjustable rate mortgage (ARM), which features lower monthly payments during the first few years especially if you know you'll be moving within the next several years..

An FHA loan is insured by the Federal Housing Administration, an agency within the U.S. Department of Housing and Urban Development (HUD). The FHA does not loan money to borrowers, rather, it provides lenders protection through mortgage insurance (MIP) in case the borrower defaults on his or her loan obligations. FHA loans are available to all buyers, FHA loan programs are designed to help creditworthy low-income and moderate-income families who do not meet requirements for conventional loans.

VA guaranteed loans are made by lenders and guaranteed by the U.S. Department of Veteran Affairs (VA) to eligible veterans for the purchase of a home. In most cases, no down payment is required on a VA guaranteed loan and the borrower usually receives a lower interest rate than is ordinarily available with other loans.

USDA loans are mortgages backed the U.S. Department of Agriculture as part of its USDA Rural Development Guaranteed Housing Loan program. USDA loans are available to home buyers with below-average credit, offer 100% financing with reduced mortgage insurance premiums, and feature below-market mortgage rates.

Construction loans are typically short term loans ranging from 6 months to a maximum of 18 months, and have variable interest rates that move up and down with the prime rate. The rates on this type of loan are higher than interest rates on permanent mortgage loans. To gain approval, the lender will need to see a construction break down, detailed plans and a realistic budget. Once approved, you will be put on a draw schedule that follows the project’s construction timeline.

Reverse mortgages (also called "home equity conversion loans") give homeowners 62 years of age the ability to benefit from their home equity without the necessity of selling their home. There are 3 types based on your home equity; You may receive a lump sum, A long term monthly payment or receive a line of credit. Repayment is not necessary until the homeowner puts his or her home up for sale, moves out of the home (such as into a care facility) or passes away. You (or your estate) are required to pay back the lender for the money you received from the reverse mortgage plus accrued interest and other finance charges.

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"As a first time home buyer (with lots of anxiety), Alliance was wonderful! Brian was easy to work with and explained things throughly throughout the process. He was always prompt to return phone calls or emails and was 100% transparent from beginning to end. I would definitely recommend him to friends and family!"

-Morgan Baker

-Testimonials-

"Just closed our first home with Aaron. He was the only mortgage guy we spoke with that was transparent, honest, and willing to answer the dumb questions of a first time home buyer. I'd recommend him to my family and friends, and felt I got the best deal he could find. The communication was excellent and I never felt like we were bothering him. Thanks Aaron!"

-Jordan Davidson

-Testimonials-

"Brian and Erin were so great to work with. They've helped us through the process of our last two houses and it has been the best experience ever. They always took the time to make sure that we were taken care of and that we knew exactly what needed to happen. They even went the extra mile by being ready to close earlier than the date specified on the contract. Read more...

-Testimonials-

"We recently purchased a home with Aaron's help, and we were very pleased with our experience! He was quick to answer our questions, was very knowledgeable about the market, and gave great advice in response to our concerns. We highly recommend Aaron Gibbons as a mortgage advisor."

-David and Kristin Sanders

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"Brian and Erin are fantastic. My wife and I have had many houses in the last 30 years and Alliance Lending Service is by far the best mortgage lender we have ever worked with. They worked hard to find us a solution that was perfect for our situation and we saved many thousands of dollars. We appreciate their patience walking us through what can be one of the most stressful financial experiences in life. They are the most professional financial service providers we have ever worked with and they have our highest recommendation."

-Mark K Thomas

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"We recently refinanced our home with the help of Aaron. He is awesome to work with and goes above and beyond to help with everything. Having him help us definitely reduced some of the stress. We would highly recommend him to anyone looking to get a home loan or a refinance."

I am the owner of Alliance Lending Services with 16+ years experience in Residential Mortgage, Commercial Mortgage and Construction Loans. My top priority is giving guidance and real market data to my clients so, they can make an informed mortgage decision. Away from the office I enjoy two lane highways on my old Harley-Davidson, camping, outdoor recreation and spending quality time with my family. I have a passion for business and am an entrepreneur at heart.

I have 7+ years experience in mortgage lending and real estate. Providing clear mortgage options and long term solutions to my clients is what I take pride in. When I'm not at the office or meeting with clients, I love to spend my free time outside. Mornings on my mountain bike getting fresh air is how I prefer to start my day. I'm never one to turn down a family vacation, time on the lake, or a backyard BBQ. Don't hesitate to reach out and let me know about any trails you love or good "mom and pop" restaurants (I'm always ready to try a new hole-in-the wall diner).

I love being part of the team here at Alliance! I assist in all of our mortgage transactions and enjoy working with with our clients to gather the information needed throughout the loan process.

My world revolves around my daughter, who is basically PERFECT in every way! I have a great family that I am very lucky to have and be part of! Hobbies of mine include: Cosmetology, decorating, crafting, and baking. In 2008 I got my license as a Cosmetologist, I have awesome clients and I enjoy doing hair at my leisure. Pinterest has also become a guilty pleasure, I love to create my ideas when time allows me.

I have been a Processor since 2001 and I love what I do! I joined the team at Alliance Lending Services back in 2008. When I am not in working on loans I enjoy spending time with my family, taste testing, hiking, and putting together puzzles. I LOVE Disneyland, as well as Musical and Dramatic Theater!